orphan date April 2010 Infobox newspaper name The FINANCIAL logo image caption type daily format A3 owners Intelligence Group llc founder Zviad Pochkhua publisher editor Zviad Pochkhua chiefeditor assoceditor maneditor newseditor Nini Sanikidze managingeditordesign campuseditor campuschief opeditor sportseditor photoeditor Levan Chkhatarashvili br Levan David Khizanishvili staff Temur Tatishvili br Lali Javakhia br Mamuka Pochkhua foundation October 6, 2005 political language Georgian language Georgian , English ceased publication headquarters Kiev, Ukraine br Tbilisi, Georgia circulation 10,000 weekly sister newspapers Wealth magazine ISSN 15123642 oclc website http www.finchannel.com br http www.financial.ge File The FINANCIAL.jpg The FINANCIAL is a main daily newspaper published by Intelligence Group llc in Georgia country Georgia . The newspaper runs a global website in English language English ref http www.finchannel.com ref and in Georgian language Georgian ref name financial.ge http www.financial.ge ref . The FINANCIAL has a weekly official circulation of 10,000 printed newspapers. They have a daily page viewing of 100,000 ref http finchannel.com ref . The FINANCIAL together with Global Idea llc is the official organizer of the annual award ceremony Golden Brand ref http www.globalidea.ge ref . In 2010 The FINANCIAL was named country media sponsor for HSBC sponsored European Business Awards ref http www.businessawards.com ref . In March 2010 The FINANCIAL presented Georgian language Georgian version of newspaper ref name financial.ge . in March 2011 The FINANCIAL first in Georgia introduced QR mobile codes on its printed edition, allowing readers to scan and read articles on their mobile phones. Personnel Founder Zviad Pochkhua President of Independent Association of Georgian Journalists Journalists Koka Kalandadze Tako Khelaia Iona Maclaren Keti Chkhikvadze Mamuka Pochkhua References references Category Newspapers published in Georgia country ... more details
FINANCIAL is the weekly English language newspaper with offices in Tbilisi , Georgia country Georgia and Kiev , Ukraine . Published by Intelligence Group LLC, FINANCIAL is focused on opinion leaders and top business decision makers It s about world s largest companies, investing, careers, and small business. It is distributed in Georgia and Ukraine. Declared circulation of the newspaper in Georgia is 5 000 and 10 000 of special editions. Zviad Pochkhua, President of Independent Association of Georgian Journalists http www.IAGJ.org.ge member of IFJ http www.IFJ.org and former Director and Chief Editor of Georgian Times publications holds the position of the Editor in Chief. On June 5, 2007 Intelligence Group ltd Ukraine obtained a licence for publishing FINANCIAL weekly newspaper in Ukraine. Registration N 12828 1712p FINANCIAL The FINANCIAL is registered trade mark of Intelligence Group ltd in Georgia country Georgia and Ukraine . Trade mark registration by Sakpatenti Registration date October 24, 2007 Registration N 85764 Trade mark registratrion by Ukrainian State Register body Registration date November 14, 2007 in March 2011 The FINANCIAL first in Georgia introduced QR mobile codes on its printed edition, allowing readers to scan and read articles on their mobile phones. External links official http www.financial.ge Category English language newspapers Category Newspapers published in Ukraine Category Newspapers published in Georgia country Category Publications established in 2006 Ukraine newspaper stub Georgia newspaper stub ... more details
Financial assistance or financial aid can refer to Financial assistance share purchase , assistance given by a company for the purchase of its shares or those of its holding companies Welfare financial aid , financial aid by primarily governmental institutions or charitable organizations to individuals in need Student financial aid , funding intended to help students pay educational expenses disambig ... more details
A financial asset is an intangible asset that derives value because of a contractual claim. Examples include bank deposits , Bond finance bonds , and stock stocks . Financial assets are usually more liquidity liquid than Tangible property tangible assets , such as land or real estate, and are traded on financial markets . ref http www.investopedia.com terms f financialasset.asp axzz1aitM9hP7 www.investopedia.com Financial Asset ref ref http financecareers.about.com od glossary g finassets.htm Financial Asset ref ref http www.investorwords.com 1946 financial asset.html www.investorwords.com Financial Asset ref ref http financial dictionary.thefreedictionary.com Financial Assets financial dictionary.thefreedictionary.com Financial Asset ref References reflist investment stub Category Finance ar ... more details
Unreferenced date August 2010 A financial calculators is an electronic calculator that performs financial functions commonly needed in business and commerce communities. It has standalone keys for many financial calculations and functions, making such calculations more direct than on standard calculators. It may be user programmable, allowing the user to add functions that the manufacturer has not provided by default. Major manufacturers of financial calculators include Casio , Hewlett Packard , and Texas Instruments . Other manufacturers serve further niche areas in the financial calculator space. Financial calculators are also referred to as business calculators. Examples of financial calculators are the HP 12C , and the TI BA II . Category Calculators ... more details
A Financial District is the central area in some large cities where bank s, Insurance company insurance companies and other large corporation s have head offices. Financial districts are often home to skyscraper s. Some well known financial districts include United States Alphabetical by state Financial District, Los Angeles, California Financial District, San Francisco , California Brickell , Miami, Florida Financial District Metromover station , a station on the Miami Metromover LaSalle Street , Chicago, Illinois Financial District, Boston , Massachusetts Detroit Financial District Financial District, Detroit , Michigan Financial District Detroit People Mover , a station on the Detroit People Mover Financial District, Manhattan , in New York City Financial District, Charlotte, North Carolina Canada Financial District, Toronto , Ontario United Kingdom City of London Canary Wharf , London Hong Kong Central, Hong Kong Central , Hong Kong Island Kowloon East , Kowloon Peninsula Argentina Buenos Aires CBD Microcentro Bangladesh Motijheel Pakistan Ibrahim Ismail Chundrigar Road , Karachi Singapore Central Area See also Central business district List of financial districts Financial center disambig Category Financial districts cs Financial District de Financial District fr Financial District ja pl Financial District pt Financial District zh ... more details
accounting The financial result is the difference between earnings before interest and taxes and earnings before taxes . It is determined by the earning or the loss which results from financial affairs. Interpretation For most industrial companies the financial result is negative, as the interest charged on borrowing generally exceeds income from investments dividends . If a company records a positive financial Result over several periods, then one has to ask how much capital is invested at which interest rate, and if this capital would not bear a greater yield if it were invested in the company s growth. In case of constant, positive financial results a company also has to deal with increasing ... financial result is defined as follows math textstyle begin align mbox Financial result & mbox Interest income & mbox Interest expense & pm mbox Write downs write ups for financial assets & pm mbox Write downs write ups for marketable securities & mbox Other financial income and expenses end align math Advantages The advantages of the use of financial result as a key performance indicators key performance indicator The financial result provides information about financing costs. Information may be gained about non consolidated companies. financial result interest income interest expenses write up and write down for financial assets write down and write up for marketable securities other financial icome and expenses Disadvantages The disadvantages of the use of financial result as a Key performance indicators Key performance indicator Operating components may be included in the financial result e.g. the income from financing activities . Investment income as a component of the financial result does not provide any information on the risk inherent in this investment. The financial result ..., Peter Noel Schomig. 100 IFRS Financial Ratios Cometis AG , 2005, ISBN 978 3980946179 Category Financial terminology Category Financial ratios finance stub pt Indicador de resultado ru ... more details
COI date May 2010 Infobox company company name LPL Financial company logo Image LPL Financial Logo.png ... Mark Casady , Chairman & CEO industry Financial Services revenue profit United States dollar US 3.11 billion 2010 ref name LPL.com http lplfinancial.lpl.com About LPL Financial Financials.htm LPL Financial website Financials ref num employees 2,700 num advisors 12,799 website URL http www.lpl.com LPL Financial is the largest organization of independent financial advisors in the United States ... publisher Financial Planning magazine accessdate 4 August 2010 page 29 format PDF ref LPL Financial ... Ledger established in 1973 and has since expanded its number of independent financial advisors from a few hundred to more than 12,790 in 2011. LPL Financial has headquarters in Boston , Charlotte , and San Diego . Approximately 2,700 employees support financial advisors financial institutions and technology ... date December 2011 LPL Financial advisors help clients meet investment goals with a number of financial services, including equities , Bond finance bonds , mutual funds , Annuity US financial products annuities , insurance , and fee based programs. Unlike many other brokerage firms, LPL Financial ... financial advice free from broker dealer inspired conflicts of interest . ref name Join LPL.com http www.joinlpl.com financial advisor support independent unbiased research for financial advisors.html JoinLPL.com LPL Financial Research ref Timeline In 2004, LPL Financial acquired the broker dealer ... broker ranks and offering Phoenix the chance to sell its products through the LPL Financial network ... Group took a 60 stake in the firm. fact date December 2011 In August 2006, LPL Financial expanded its client base following the purchase of UVEST Financial Services , which provides independent brokerage ... States. fact date December 2011 In June 2007, LPL Financial finalized its acquisition of several broker dealers under the Pacific Select Group a.k.a. Pacific Life umbrella, adding 2,000 financial ... more details
Financial security may refer to Economic security , the condition of having the resources to support a standard of living now and in the foreseeable future. Security finance , a financial negotiable instrument. disambig ... more details
Merge from Financial inclusion discuss Talk Financial exclusion date May 2010 Financial exclusion is the unavailability of banking services to people living in poverty . It is believed to be one factor preventing poor people from exiting poverty, by forcing them to manage their finances on a cash only basis and restricting their access to equitable sources of credit finance credit . Financial exclusion can make poor people vulnerable to loan shark s. Microfinance is an approach used to reduce financial exclusion. See also Financial inclusion External links http www.npi.org.uk projects financial 20exclusion.htm http webarchive.nationalarchives.gov.uk http www.hm treasury.gov.uk fit index.htm FinancialInclusion Taskforce http www.jrf.org.uk publications understanding and combating financial exclusion Category Banking Category Poverty Category Credit econ term stub ... more details
refimprove date May 2009 A financial forecast is normally an estimate of future financial outcomes for a company or country for futures and currency markets . Using historical internal accounting and sales data, in addition to external market and economic indicators, a financial forecast is an economist s best guess of what will happen to a company in financial terms over a given time period which is usually one year. See Financial modeling . Arguably, the most difficult aspect of preparing a financial forecast is predicting revenue. Future costs can be estimated by using historical accounting data variable costs are also a function of sales. Unlike a financial plan or a budget a financial forecast doesn t have to be used as a planning document. Outside analysts can use a financial forecast to estimate a company s success in the coming year. Reference class forecasting was developed to reduce error and increase accuracy in financial forecasts. ref http www.sbs.ox.ac.uk centres bt Documents Curbing 20Optimism 20Bias 20and 20Strategic 20Misrepresentation.pdf Curbing Optimism Bias and Strategic Misrepresentation in Planning Reference Class Forecasting in Practice. European Planning Studies, vol. 16, no. 1, January 2008, pp. 3 21. ref References Reflist Category Financial terminology Forecast ... more details
Financial literacy is the ability to understand finance . More specifically, it refers to the set of skills ... basics Pages what is financial literacy.aspx What is financial literacy? ref Raising interest in personal ... Taking Ownership of the Future The National Strategy for Financial Literacy , US Financial ... financial education and literacy standards through the development of common financial literacy ... for Financial Education , which serves as a clearinghouse for financial education programs, information and research worldwide. In the UK, the alternative term financial capability is used by the state and its agencies the Financial Services Authority FSA in the UK started a national strategy on financial capability in 2003. The US Government also established its Financial Literacy and Education Commission in 2003. ref http cqresearcherblog.blogspot.com 2009 09 financial literacy.html CQ Researcher ... Protection Act Dodd Frank Act , which created the Consumer Financial Protection Bureau CFPB . The CFPB has been tasked, among other mandates, with promoting financial education through its ... findings An international OECD study was published in late 2005 analysing financial literacy surveys .... A British survey found that consumers do not actively seek out financial information. The information ... for retirement. Yet it is encouraging that the few financial education programmes which ..., which allows employees to save and invest for their own retirement when employers offer financial ... money management, financial planning and investment. The top ten of APMEA Women Mastercard s Financial ... http timesofindia.indiatimes.com india Indian women surpass Chinese in financial literacy articleshow 7602651.cms work The Times Of India title Indian women surpass Chinese in financial literacy ref Australia The Australian Government established a National Consumer and Financial Literacy Taskforce in 2004, which recommended the establishment of the Financial Literacy Foundation in 2005. The foundation ... more details
Cleanup date August 2007 Personal finance A financial planner or personal financial planner is a practicing professional who helps people deal with various personal financial issues through proper planning ... investment planning , Financial risk management risk management and insurance planning, tax planning ... is commonly known as personal financial planning . In carrying out the planning function, he is guided by the financial planning process to create a financial plan a detailed strategy ... aspect of what the financial planner does is that he considers all questions, information and advice as it impacts and is impacted by the entire financial and life situation of the client. Objectives People enlist the help of a financial planner because of the complexity of performing the following Finding direction and meaning in one s financial decisions Understanding how each financial decision ... results of working with a comprehensive financial planner, from an individual client or family s perspective are To create the greatest probability that all financial goals anything requiring both ... sensible plan that is proactive enough to accommodate any major unexpected financial event that could negatively affect the plan, and To make intelligent financial choices along the way whether to buy or lease whether to refinance or pay off etc. . Before working with a comprehensive financial planner ... s interests rather than being primarily interested in selling the client financial products for his own benefit. As the relationship unfolds, an individual financial planning client s objective in working with a comprehensive financial planner is to clearly understand what needs to be done to implement the financial plan created for them. So, in many ways, a financial planner s step by step ... to many clients than the plan itself. The comprehensive written lifetime financial plan is a technical document utilized by the financial planner, the written implementation plan of action is just ... more details
A financial export is a business service provided by a domestic firm regardless of ownership to a foreign firm within the scope of financial services. While financial services are often seen as a domestic service such as current accounts, mortgages, cashpoints, etc. the growing international nature of finance means that many services are now being handled abroad or in financial centres, for a variety of reasons. Financial exports include a wide range of activities from insurance to banking and brokerage. Many smaller locations such as Bermuda , Luxembourg , and the Cayman Islands lack sufficient size for a domestic economy, thus requiring them to look abroad for markets. The increasing competitiveness of financial services has meant that many countries which were self sufficient or protectionist have become increasingly reliant on financial service imports such as the United States and Japan . The United States , France , and Japan are all importers of financial services, whereas Switzerland and Germany both record modest surpluses. The leading financial exporter, in terms of exports imports, is the United Kingdom , which had 19bn of financial exports in 2004 , rising to 21bn in 2005. The UK s position is helped by both unique institutions such as Lloyds of London for insurance, the Baltic Exchange for shipping, et cetera and an environment that attracts foreign firms all large US banks have offices and operations in the City of London London Docklands Docklands and or Edinburgh . References Giles, Chris 19 July 2005 City of London drives surge in UK financial exports London Financial Times Brewer, James 20 July 2005 Shipbrokers give UK a boom year boost London Financial Times ... London Financial Times http news.ft.com cms s df162dba 7dd2 11da 8ef9 0000779e2340.html Chisholm, Jamie 5 January, 2005 UK services sector shows robust growth London Financial Times Category International economics Category Financial economics ... more details
A financial goal or financial target is an goal objective which is expressed in or based upon money . Examples include debt reduction , sufficient wealth to retirement retire or minimisation of tax . ref citation url http books.google.co.uk books?id YN kFZQaE1EC&pg PA17 title Ernst & Young s personal financial planning guide ref References reflist finance stub Category Financial terminology ... more details
orphan date December 2011 Financial Thriller refers to a subgenre of thriller fiction in which the financial system and economy play a major role. The novel The Financier 1912 by Theodore Dreiser displays elements of a financial thriller. Paul Erdman helped popularize the modern financial thriller, with The Billion Dollar Sure Thing 1973 . The former president of a Swiss bank, he penned the novel while in jail awaiting trial on fraud charges related to speculating in the cocoa market. In many cases the protagonist of a financial thriller is a financial professional such as Christian Slater s character in the 2005 film The Deal . Oftentimes, the plot centers on a financial crime. It may be a crime that merely enriches a small number of individuals as with The Millionaires by Brad Meltzer , or one that threatens the entire financial system, as in Tom Clancy s Debt of Honor . Financial thrillers are often used as morality plays to illustrate the evils of greed, as in Black Money , by Michael M. Thomas. ref Lehman Haupt, Christopher. Books of the Times A Financial Thriller With a Message. New York Times. 6 27 1994. ref In the wake of the Late 2000s financial crisis , some financial thrillers took on educational roles. The 2011 film Too Big to Fail attempts to make the crisis understandable to non experts. ref Wiegand, David. Financial thriller illuminates severity of crisis. San Francisco Chronicle, 5 20 2011. ref And the novel The Economics of Ego Surplus 2010 by Paul McDonnold uses the plot device of a terrorist attack on the U.S. financial system as a tool to teach principles of economics . ref Smith, David. Economic Outlook At the crossroads of inflation and growth. The Sunday Times UK . 1 2 2011. ref References See Wikipedia Footnotes on how to create references using ref ref tags which will then appear here automatically Reflist Categories Uncategorized date December 2011 Category Articles created via the Article Wizard ... more details
, to others who support enhancing the power of the government to find financial information in order ... leads financial institutions selling things like balances and transaction information to telemarketers. Financial services companies, those that offer both banking, insurance , and investment products however say that the issue and attempted legislation on the topic was brought on by smaller financial ... legislation which forbids financial institutions from sharing information with other companies, single product line financial institutions could cripple integrated financial services companies because ... under separate company affiliates within a holding company. Most financial services companies claim that they never had sold information to non financial services companies. Some critics of financial ... they believed that the financial services integrated business model was fundamentally wrong however .... See also Bank secrecy Right to Financial Privacy Act Financial cryptography Privacy Category ... more details
Unreferenced date December 2009 Orphan date February 2009 Financial deepening is a term used often by economic development experts. It refers to the increased provision of financial services with a wider choice of services geared to all levels of society. It also refers to the macro effects of financial deepening on the larger economy. Financial deepening generally means an increased ratio of money supply to GDP or some price index. It refers to liquid money. The more liquid money is available in an economy, the more opportunities exist for continued growth. It can also play an important role in reducing risk and vulnerability for disadvantaged groups, and increasing the ability of individuals and households to access basic services like health and education, thus having a more direct impact on poverty reduction . References reflist cite book last Shaw first Edward title Financial Deepening in Economic Development year 1973 publisher Oxford University Press DEFAULTSORT Financial Deepening Category Economic development ... more details
Finance sidebar In financial economics , a financial institution is an institution that provides financial services for its clients or members. Probably the most important financial service provided by financial institutions is acting as Financial intermediary financial intermediaries . Most financial institutions are highly Financial regulation regulated by government . Broadly speaking, there are three major types of financial institutions ref cite book last Siklos first Pierre authorlink coauthors title Money, Banking, and Financial Institutions Canada in the Global Environment publisher McGraw ... investment scheme investment funds . Function Financial institutions provide service as intermediaries of financial markets. They are responsible for transferring funds from investors to companies in need of those funds. Financial institutions facilitate the flow of money through the economy. To do ... . To consider how valuing a Financial Institution s balance sheet is different from a non Financial ... it used to finance that asset. The line is blurred in Financial Institutions, which must hold deposit ... to make the decision to invest in a financial institutions Excess Return Model A model where valuation ... between two financial institutions which fix the receiving agents of each counterparty ... lowers the likelihood of a fraud . Regulation seealso Financial regulation Financial institutions in most ... all financial institutions while others have separate agencies for different types of institutions ... the United States , where the key governing bodies are the Federal Financial Institutions Examination ... Savings & Loan Association, State governments each often regulate and charter financial institutions. Countries that have one consolidated financial regulator include United Kingdom with the Financial Services Authority , Norway with the Financial Supervisory Authority of Norway , Hong Kong with Hong Kong Monetary Authority and Russia with Central Bank of Russia . See also List of financial regulatory ... more details
Financial secretary is an Administration business administrative and executive government executive government position within the governance of a State polity State , corporation , Private company private or public organization , small group or other body with financial assets. A financial secretary oversees policy concerning the flow of financial resources like money in and out of an organization. The officer sometimes determines policy concerning the purchase or sale of goods and services, collection of dues and employment . The officer implements policy with the cooperation of other executives. Financial Secretary can also be the title of a cabinet member in a number of former and current British dependencies. This is the case in Hong Kong see Financial Secretary Hong Kong , Jamaica, Montserrat, Saint Helena, etc. In the United Kingdom, the Financial Secretary to the Treasury is a junior minister position but the office holder attends the meetings of the cabinet. fact span In some municipal and state government s, a financial secretary is an appointed or elected public official. date April 2011 Bibliography SABINO, Rosimeri F. ROCHA, Fabio G. Secretariado do escriba ao web writer. Rio de Janeiro Brazil Brasport, 2004. Revista Excel ncia. FENASSEC. Trimestral. Brazil. Category Management occupations Category Office and administrative support occupations econ stub sk Finan n tajomn k zh ... more details
Cleanup date April 2008 Unreferenced date April 2008 Financial mismanagement is management that, deliberately or not, is handled in a way that can be characterized as wrong, bad, careless, inefficient or incompetent and that will reflect negatively upon the financial standing of a business or individual. Category Corporate governance Econ stub Business stub ... more details
Accounting In general usage, a financial plan is a series of steps which are carried out, or goals that are accomplished, which relate to an individual s or a business s financial affairs. This often includes ... term savings. A financial plan sometimes refers to an investment plan, which allocates savings to various ..., share finance share s in an existing business, or real estate. In business, a financial plan can refer to the three primary financial statements balance sheet , income statement , and cash flow statement created within a business plan . Financial forecast or financial plan can also refer to an annual .... and Robert F. Financial Accounting , 4th ed. McGraw Hill Book Company, 1970 pp. 187 188. ref A financial .... ref While the common usage of the term financial plan often refers to a formal and defined series of steps or goals, there is some technical confusion about what the term financial plan actually ... Financial Planner Board of Standards, lacks any definition for the term financial plan in its Standards of Professional Conduct publication. This publication outlines the professional financial planner s job, and explains the process of financial planning, but the term financial plan never appears ... Conduct . Certified Financial Planner Board of Standards. Rev. January 2010. Retrieved 2011 09 24. ref Textbooks used in colleges offering financial planning related courses also generally do not define the term financial plan . For example, Sid Mittra, Anandi P. Sahu, and Robert A Crane, authors of Practicing Financial Planning for Professionals ref Sid Mittra, Anandi P. Sahu, Robert A Crane. Practicing Financial Planning for Professionals Practitioners Edition , 10th Edition. Rochester Hills Publishing, Inc., 2007 sec. 1 3. ref do not define what a financial plan is, but merely defer to the Certified Financial Planner Board of Standards definition of financial planning . Because of the lack ... be noted that the term financial plan is merely inferred from the defined process of financial ... more details
Unreferenced date January 2008 Orphan date January 2008 Financial gerontology is a study of aging and related financial and business impacts. One of the primary interests is As the lifespan of baby boomer s and their parents lengthening, what would be the right approach for retirement planning . Category Gerontology Category Personal finance finance stub ... more details
Financial betting refers to the wagering on the price development of a financial instrument at some later ... beforehand by being limited to the initial stake. Financial betting instruments are a type of digital ... win. A fee might sometimes be charged for this service. The main difference between financial betting and speculation on financial markets using products such as Spread betting Financial spread betting financial spread betting is that the bet must result in a simple binary win or loss based on an event on the underlying financial instruments. This triggers a fixed payout for a win, while with spread betting the payout or loss varies with the price level of the underlying instrument. Basis in financial theory Odds have to be consistent with the real time pricing of the underlying financial instruments ... the odds for future price movements using mathematical algorithms. Types of financial betting There are three main variations of financial betting. These vary mainly in the way odds are displayed. Fixed odds financial betting Floating odds financial betting Binary betting Fixed and floating odds betting Within financial floating odds the odds change for a given strike price as the price of the underlying ... upon settlement depends on how much is bet at those odds. Within financial fixed odds betting the odds ... both from the event occurring or not occurring. Features A central feature of financial betting is the fixed ... a participant wanting to sell the bet before it expires. A central feature of financial betting is Leverage ... financial betting less capital intensive than trading directly on securities exchanges. Financial betting providers Financial betting is sometimes integrated within gaming companies. There are also specialized financial betting firms, some of which might also provide Spread betting Financial spread betting financial spread betting and or Contract for difference CFDs . As financial spread betting and CFD brokers are regulated by the UK s financial regulator the Financial Services Authority FSA and not gambling ... more details
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